The Silo is a private household budgeting and debt payoff planner — snowball or avalanche, with a real debt-free date. No bank account linking, no data selling: you enter the numbers, you keep the data.
Free for 14 days — no card up front. Then $1.99/mo or $20.00/yr.
Every screenshot below is The Silo running on a demonstration household built from median U.S. figures — not a real member's data.
APRs, balances, minimums, due dates, and the number lenders never put in bold: how long each debt takes at its minimum. Look at the Discover card — at a 2% minimum, the payoff column says "never." That's not a bug. That's the business model The Silo was built to beat.
Payoff @ min tells the real story: the car takes 55 months, the Chase card 179, and the Discover card — never.
Set the mortgage aside (a one-click preference) and point the plan at the consumer debt — the cards, the car, the student loan. The avalanche pays every minimum and aims whatever you can spare at the highest rate first, rolling every freed-up payment forward. Watch what $200 a month does:
Consumer debt gone Oct 2032 · $17,289 of interest along the way — and that Discover card alone said "never."
Consumer debt gone May 2031 · $10,821 of interest — the plan finds the order that saves the most.
Not a projection trick: the plan pays real minimums with real issuer formulas, anticipates promo-rate expirations, and never spends money the month can't spare.
The dashboard keeps the whole picture honest — net worth, cash, what's due, and the payoff date front and center. When a payment would overdraw an account two weeks from now, The Silo says so while there's still time to move money.
Every number is live: everyday-spending averages feed the forecasts, and the payoff date reacts the moment anything changes.
Checking, savings, cash, credit cards, loans, mortgages, and investments — the whole household's money, shared between members or kept private per person. A guided setup walks you through it, one account at a time.
Avalanche or snowball payoff plans that see promo rates coming, know the real minimum-payment formulas the big card issuers use, respect your actual cash flow — and show the month you finally clear each balance.
Thinking about consolidating? Enter any loan's amount, term, APR, and fees. The Silo pays your debts down with it on paper and gives you the honest answer — what it saves, what it costs, and how your debt-free date moves.
Recurring bills, debt minimums, everyday-spending averages, dividends, and interest projected forward — a month or ten years. The moment a payment would leave an account overdrawn, you'll see it, with every account's balance projected for that exact day.
Real life doesn't post every coffee. Enter what the bank says you have and The Silo books the difference — then break it down into what it really was, at your own pace, until every dollar is explained.
Track holdings, cost basis, dividends, and margin; fold in your home equity and other valuables for a true net-worth picture — updated nightly.
Your books belong to you. We don't sell data, run ads, or share anything — the whole point is putting your information back in your hands.
Two-factor authentication, encrypted secrets, and card details that never touch our servers — payments run on a PCI-compliant processor's hosted pages.
The price you join at is your price for as long as you stay — it can go down, never up. Share The Silo with a friend and get a month free when they join on. Running a small business from the kitchen table? There's a plan that keeps the business books alongside the household's.
The guided setup walks you through each account, card, and loan — balances, rates, minimums, due days. Known issuers auto-fill their own minimum-payment formulas. Ten minutes and the whole picture is in front of you.
Bills post themselves on schedule, everyday spending settles into honest averages, and the dashboard shows net worth, cash on hand, and what this month actually looks like — before it happens.
Pick avalanche or snowball, tell it your extra, and The Silo aims every spare dollar where it hurts the debt most — rolling freed-up payments forward until the last balance hits zero. The end date isn't a hope; it's a month on the calendar.
Set up your household in a few minutes — no bank logins, no data harvesting, just your numbers.